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Bank Earnings of Institutions
Represented in Faulkner County*
( Year to Date as of June 30)
                  
% Return on Assets (ROA)     % Return on Equity (ROE)    
2005 2006 2007 2008 2009 2005 2006 2007 2008 2009
Bank of the Ozarks 1.80 1.58 1.39 1.23 1.42 22.88 21.72 17.16 14.61 11.78
First Security Bank 1.27 1.23 1.02 0.97 1.30 14.12 14.90 12.11 11.45 15.06
First Service Bank 1.25 0.56 0.80 1.21 1.30 15.28 7.33 10.23 15.33 16.61
Centenial Bank* 1.23 1.29 1.40 1.67 1.13 9.94 15.99 16.76 18.28 9.94
Heber Springs State Bank 0.97 0.87 1.03 1.20 1.05 10.36 10.06 12.62 12.43 10.02
US Bank 2.09 2.13 1.95 1.82 0.85 21.44 22.00 20.81 20.30 10.09
Simmons First National Bank 1.21 1.17 1.21 1.36 0.73 13.30 13.05 13.66 15.69 8.31
Arvest Bank 1.13 1.16 1.09 1.01 0.62 11.64 13.15 12.48 10.75 6.64
Home Bank of Ark 0.41 0.43 0.88 0.57 0.53 4.61 3.79 8.55 5.99 6.58
River Town Bank 1.04 0.69 0.85 0.69 0.53 8.99 6.04 7.32 5.95 4.87
National Bank of Arkansas 0.59 0.54 0.67 0.08 0.49 8.09 6.33 7.22 0.92 6.00
Bank of America 1.52 1.31 1.29 0.51 0.47 15.56 14.28 14.42 6.12 4.94
First Arkansas Bank 2.22 1.66 1.37 1.24 0.14 13.57 9.16 7.26 6.56 0.81
Regions Bank 0.85 1.49 1.09 0.88 -0.22 6.83 10.99 6.89 5.81 -1.46
Metropolitan National Bank 0.91 0.72 0.65 0.66 -5.04 13.41 10.41 8.82 8.23 -58.83
Average*** 1.23 1.12 1.11 1.01 0.35 12.67 11.95 11.75 10.56 3.42
* Earnings for each bank corporation, not limited to Faulkner County operation. Data for years prior to 2009 has been revised by FDIC in some instances. 
** Ranked in descending order of 2009 return on assets.    
*** Not a weighted average  
Data Source: Federal Deposit Insurance Corporation  
Return on assets (ROA)  Net income after taxes and extraordinary items (annualized) as a percent of average total assets.
Return on Equity (ROE) Annualized net income as a percent of average equity (includes preferred and common stock, surplus and 
 undivided profits) on a consolidated basis.